The dynamics of incomes and occupational pensions after retirement

Article Abstract:

Retirement incomes tend to be constant over a five-year period. However, a number of retirees experienced income changes, particularly those who were widowed. New widows received significant increases on their individual incomes, due to inherited pension rights or as social security beneficiaries. Individuals who posted low incomes between 1988 and 1989 received larger increases in incomes than those who posted high incomes at the same period. This is mainly due to the increased benefits from social security pensions.

Retired People, Finance, Retirement income

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Asset wealth and asset decumulation among households in the Retirement Survey

Article Abstract:

Almost every retired individual in UK has social security wealth, indicating investments into the social security system. However, not all retirees had financial and housing wealth. Those who died or who did not complete the interviews had less wealth than those who responded. The average wealth of retirees, at 1996 prices, was 200,000 pounds sterling, demonstrating a life-cycle accumulation or saving behavior. People saved up to age 60 and the savings decreased periodically thereafter.

Economics, Research and Development in the Social Sciences and Humanities, Social aspects, Surveys, Wealth

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Pensioner income inequality

Article Abstract:

Previous research has shown that pensioners in the UK are far from homogeneous in terms of income. While it is true that pensioners have lower incomes than non-pensioners, they also have substantial levels of income. However, some pensioners depend on some other form of benefit while single females are poorer than other pensioners. This inequality in income among pensioners, arose only in the 1980s, should be taken into account if pension policies are to be improved.

Research, Economic aspects, Personal finance, Pensions

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